UMB Financial Corp (UMBF) Valuation
Historical valuation analysis based on 500 data points (2024-09-27 to 2026-09-25)
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client...
UMB Financial Corp (UMBF) currently trades at a P/E ratio of 11.76 (historical range: 9.76–16.85, median: 13.40), placing it at the 17th percentile — cheap relative to its history, P/S ratio of 2.41 (range: 1.72–3.70, 60th percentile — above its historical average).
UMB Financial Corp trades below its historical valuation range, with most metrics below their median levels.
Historical Valuation Metrics
| Metric | Current | Min | Median | Max | Percentile | Assessment |
|---|---|---|---|---|---|---|
| P/E Ratio | 11.76 | 9.76 | 13.40 | 16.85 | 17th | cheap relative to its history |
| P/S Ratio | 2.41 | 1.72 | 2.34 | 3.70 | 60th | above its historical average |
| FCF Yield | 9.45% | 2.84% | 8.95% | 14.49% | 62th | below its historical average |
UMB Financial Corp (UMBF) Valuation & P/E History
UMB Financial Corp (UMBF) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry currently trading at $135.82 with a market capitalization of $10.3 billion. This page provides historical valuation analysis for UMBF based on 500 data points covering 2024-09-27 to 2026-09-25. The P/E ratio of 11.76 is below the historical median of 13.40, placing UMBF at the 17th percentile of its valuation range. The P/S ratio of 2.41 compares to a median of 2.34.
UMBF Valuation Metrics & Historical Range
The valuation table above shows UMB Financial Corp's current and historical valuation multiples, including P/E ratio, P/S ratio, EV/EBITDA, FCF yield, and dividend yield. Each metric is compared to its own historical range to determine whether UMBF is currently trading above or below its typical valuation levels.
- P/E ratio: Price-to-earnings measures how much investors pay per dollar of earnings. A P/E above the historical median suggests UMBF is expensively valued; below the median suggests it is cheap.
- P/S ratio: Price-to-sales is useful for companies with volatile or negative earnings. Lower P/S relative to history may indicate value.
- EV/EBITDA: Enterprise value to EBITDA adjusts for debt and cash, providing a capital-structure-neutral valuation measure for UMB Financial Corp.
- FCF yield: Free cash flow yield shows the cash return relative to market price. Higher yields may indicate undervaluation.
Is UMBF Overvalued or Undervalued?
UMB Financial Corp trades below its historical valuation range, with most metrics below their median levels. The overall valuation percentile of 39 combines P/E, P/S, and EV/EBITDA percentiles into a single measure of how expensive UMBF is relative to its own history. A percentile below 25 suggests the stock may be undervalued, while a percentile above 75 suggests it may be overvalued.
However, valuation is only one factor in investment decisions. A stock can remain "overvalued" for years if growth accelerates, or "undervalued" if the business deteriorates. Always combine valuation analysis with financial statement analysis and the full UMBF analysis page for a complete picture.
Valuation data is computed from historical price and fundamental data via Polygon.io and Finnhub.UMBF trades on NYSE. This page is for informational purposes only and is not financial advice.